Car insurance group 29
Find out which cars are placed in insurance group 29 and how much it might cost to insure them.
What's in this guide?
- What is insurance group 29?
- Car makes and models in insurance group 29
- Cars in insurance group 29 and the average cost by driver's age
- Why do cars in group 29 cost more to insure?
- What other factors affect your car insurance premium?
- How can I save on my car insurance premiums?
- Frequently asked questions
What is insurance group 29?
When it comes to insurance, all vehicles are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps work out the cost of your car insurance premiums.
Insurance group 29 is therefore filled with cars that tend to cost slightly more than average to insure.
The insurance group that a particular vehicle fits into depends on a variety of factors, such as market value, safety features, security features and the cost of repairs.
These aren’t the only factors that insurers use to determine your premium. They will also consider your personal circumstances such as your age, driving history and location.
In this guide, we will explore these factors in greater depth.
Car makes and models in insurance group 29
Here are some of the more popular cars that are in insurance group 29, and are therefore likely to cost slightly above average to insure.
|Insurance group||Car make/model||Details|
|29||Alfa Romeo Giulia||This vehicle won the 2020 Performance Car Of The Year award from WhatCar? Its safety features include pedestrian detection and automatic city braking technology.|
|29||Audi A3 Sportback||This small vehicle won the WhatCar? 2020 Used Car of the Year award. It received a 5-star safety rating from Euro NCAP.|
|29||BMW X1 SUV||This family SUV boasts a good fuel economy with 42.8 mpg. A hybrid option is also available which helps to keep costs down.|
|29||Ford Mondeo Hatchback||The Mondeo’s safety features include Active City Stop and autonomous emergency braking.|
|29||Jeep Cherokee||This large SUV comes with a lane assist system and speed assistance included in its safety features.|
|29||Mazda MX-5||The MX-5 was rated as the most reliable sports car in the 2019 WhatCar? Reliability Survey. Its upfront cost is also affordable compared to rivals.|
|29||Mini Cooper S||The Mini Cooper S is a “hot hatchback” with a 1.5-litre engine and a good fuel economy of 45.6mpg.|
|29||Volvo C60||This large SUV ranks as above average for reliability, according to the 2020 WhatCar? reliability survey. It also was awarded five stars for safety from Euro NCAP.|
Cars in insurance group 29 and the average cost by driver’s age
Using the table below, you can look for your car and calculate how much you’re likely to pay for your insurance, based on your age.
Why do cars in group 29 cost more to insure?
Cars in insurance group 29 usually cost more than average to insure because they score slightly below average for the following factors:
- Good security features
- Plenty of safety features
- Inexpensive to make repairs
- Cheap market value
- Smaller engine size
- Smaller repair times
What other factors affect your car insurance premium?
Along with your car’s insurance group, these three factors also tend to have a large impact on the cost of your insurance:
- Engine type and capacity. The bigger your engine, the more of a financial risk you pose to an insurer as it will cost more to repair and replace. This will be reflected in a higher premium. You tend to see more powerful cars in the higher insurance groups.
- Driver location. Insurers will use your address to calculate the likelihood of your car being stolen or damaged. If you live in an area where lots of claims are made, your insurer will raise your premium to reflect this added risk. For example, a 30-year-old in central London will pay £1,041 for insurance for a Mazda MX-5 2.0 SE-L 2d, while the same 30-year-old in Newcastle may only pay £906.
- Driver age. Your age plays a huge role in determining the cost of your insurance premium. That’s because insurers will use previous claims data to calculate the likelihood of someone your age making a claim. Statistically, the youngest drivers are the most likely to make a claim and that’s why their premiums are so high. As an example, the average 20-year-old driver in London could pay £1,811 for the Renault Clio 1.6T 16V R.S. 18 Nav 220 Auto 5d, while the average 40-year-old Londoner will only pay £948.
However, there are a lot of other factors that can also impact the price of your premium. These include the following:
- Your marital status
- Your credit history
- Your occupation
- Your car’s anti-theft precautions and other security features
- Your car’s safety rating
- The model and age of your car
- Your driving activity and history, including your no-claims discount.
How can I save on my car insurance premiums?
Choosing a car in a low insurance group is a great way to reduce what you’ll pay to insure it.
On top of that, there are several other things you can do to keep insurance costs down.
- Drive safely. It may sound obvious but having driving convictions on your record will make your premium skyrocket. Criminal convictions can also have an impact.
- Reduce your annual mileage. You’ll be asked for your annual mileage when applying for car insurance, and insurers tend to reward motorists who use their car less. So, consider opting for public transport or walking when you can to help keep your mileage, and premium, lower.
- Pay annually. By paying annually, you’ll often save money because you won’t have interest to pay on your monthly instalments.
- Install extra safety precautions. The safer you make your car, the less of a risk you’ll be perceived as. There are several safety features you can add to your car to reduce the cost of your car insurance. Over the years, these will pay for themselves.
- Don’t blind accept your renewal quote. Always shop around for the best deal when it’s time to renew your car insurance. More often than not, the cheapest deal will be offered by a different insurance company.
Frequently asked questions
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